So many are looking for that big payoff. I've been a saver my whole life, but didn't get serious with it until about 1998 when I went into a books a million in Oxford Alabama and found the personal finance, investing and business section. Paid off a bunch of debt and got into investing... Then lost money in the dot Com and then the 08. Took another 5 years and in 2013 found The Infinite Banking Concept. Which helped me make saving a priority over investing, helped me create the habit of saving however painful it is some times and a true understanding of how money works. That's when I met Bob Murphy and also Ron Paul that year. As they say the rest is history.